2026 Florida FHA Loan Limits by County, Plus VA and Conventional

For 2026, FHA loan limits in Florida range from $541,287 to $990,150 depending on the county, VA loans have no limit for veterans with full entitlement, and conventional loans go up to $832,750 ($990,150 in Monroe County). These are the limits for one-unit homes: a single-family house, condo or townhouse. Buying a duplex, triplex or fourplex? See the 2026 limits for 2- to 4-unit homes.

FHA loans, by county

FHA sets a limit for every county based on local home prices. In Florida, 16 counties are above the national minimum of $541,287; the other 51 use it. Limits are for one-unit homes and apply to the loan before the upfront FHA premium is added.

Buying a duplex, triplex or fourplex? See the 2026 limits for 2- to 4-unit homes.

Find your county by city

Not sure which county a home is in? Paste the listing into YourTruePayment and it finds the county and applies its limit for you.

VA loans

If you have your full VA entitlement (you've never used it, or you used it and the loan was paid off and the benefit restored), there's no VA loan limit. You can borrow as much as a lender approves, with no down payment, in any Florida county.

If part of your entitlement is still tied up in another VA loan, the county's conforming limit comes into play: $832,750 in every Florida county except Monroe, where it's $990,150. VA guarantees up to 25% of that amount, minus the entitlement you're already using. Above that, you'd usually need a down payment of 25% of the difference.

Example: you have $50,000 of entitlement in use and buy in Miami-Dade. 25% of $832,750 is about $208,188; minus $50,000 leaves about $158,188 of guaranty, enough for a loan of about $632,750 with no down payment. A $700,000 loan would need about $16,800 down (25% of the $67,250 above that).

A loan officer can confirm your remaining entitlement from your Certificate of Eligibility.

Conventional loans

The conventional loan limit is the largest loan Fannie Mae and Freddie Mac will buy. It's set each year by their regulator, the Federal Housing Finance Agency, and applies to one-unit homes.

The limit is on the loan, not the price. With 20% down, you can buy up to about $1,040,000 and stay under the $832,750 limit; with 10% down, about $925,000.

Buying a duplex, triplex or fourplex? See the 2026 limits for 2- to 4-unit homes.

What the limits mean when you shop

• Just over the conventional limit? A slightly bigger down payment can keep the loan under $832,750, so it stays a conventional loan. On an $870,000 home, for example, about $37,300 down (4.3%) does it.
• Well above it? When even 20% down leaves the loan over the limit, it's a jumbo loan. Jumbo loans typically ask for 20% down and a credit score of 700 or higher, and they have no monthly mortgage insurance. Some options exist with less down, so it's worth a conversation.
• Looking at FHA? If the loan would be over your county's FHA limit, a larger down payment can bring it under, or a conventional loan may be the better fit. In Miami-Dade, a $750,000 home needs about $83,000 down to fit the $667,000 FHA limit.

YourTruePayment checks the county for every home you look up and applies these limits for you, including when a loan becomes jumbo.

When the 2027 limits come out

The 2027 conventional limits haven't been announced yet. FHFA usually publishes them in late November, and FHA's follow in December. Forecasts put the 2027 one-unit limit at roughly $838,000 to $855,000, up from $832,750 in 2026.

A few lenders aren't waiting. Some are already lending up to about $845,000 under their own early 2027 limits. If your loan lands just above $832,750, ask whether an early limit could keep you out of jumbo territory. We'll update this page, and the numbers YourTruePayment uses, as soon as the official limits are published.

General information only; not a commitment to lend. Equal Housing Opportunity.